Cindy Hoppe, Medicare Insurance Broker

Answer: You always want to review yearly. You never know if a carrier will be discontinuing your plan, changing benefits within your plan, your carriers may even change networks. So it is wise to have an agent to review each year so you have what you want year after year. You deserve it.

Answer: Well, you stay in touch with me! Your great agent to help you review and stay up-to-date on your current policies and see if there are any concerns or and any changes needing to be done to better things in the coming years.

Answer: You’re retired, but your Part B premium can still go up. Medicare looks at your tax return from two years ago, and if that income was higher, they add IRMAA , which is just an extra charge based on income. That’s usually what causes a jump of about $100.

Answer: Yes ,, a Part D plan can change or drop a drug mid‑year. They’re allowed to do it if a new generic comes out, if there’s an FDA safety issue, or if the drug is discontinued. For other changes, the plan must give you 30‑day notice or a 30‑day transition fill. And with this you get the option of using your SEP if necessary.

Answer: Yes Medicare will still cover your bill if you leave against medical advise. Medicare pays for things that are medically necessary. So even leaving early your bill will still be covered cause it was a covered cost.

Answer: After you apply for your Medicare Part A and Part B you should be getting your card in the mail in about 2 weeks.

Answer: Hello. You truly need to speak to someone. Your best bet is a broker in the Medicare world so they can do the research and get you in a carrier based policy that covers those types of services you are looking for. No one can just tell you they have answers without actually asking you specific questions. Please don’t fall into the hands of someone who just is there for them and not you.

Answer: Someone needs to look at what you are looking at. Without seeing anything there is no way to answer your question.

Answer: Unfortunately yes. They can give you what they want in coverage. This is why you need to review your benefits with an agent so you get what you are looking for not what they give you.

Answer: Talk to your agent helping you. It depends on the carrier you get whether or not you get silver sneakers. Medicare does not provide all benefits such as this. This is why you may or may not see in your plan as an extra benefit.

Answer: Working with a Medicare agent ensures you get clear guidance through complex choices, avoid costly mistakes and penalties, and secure the plan that best fits your health and budget - all at no extra cost to you, with ongoing support whenever your needs change.

Answer: Since your doctor recommended it, you should be covered under Medicare Part B as long as you meet the eligibility criteria. If you're in a Medicare Advantage plan, coverage rules may vary slightly, so it's wise to confirm with your plan provider.